Insurance Home Content Insurance Solutions

ADCB

Never worry about your precious belongings

Apply for a Home Contents insurance cover against unfortunate incidents and enjoy a complete coverage on the precious belongings at your home.

577.5 AED
Annual Premium
For platinum cover
150K AED
Maximum Sum Assured
60K AED
Maximum Benefit
on Alternative Accommodation
up to six months

Keep in mind

  • Individual content lines are covered. Each content may have a maximum limit within the overall sum assured.
  • Key exclusions include non-coverage of items kept in the open such as loss of cash, currency, jewellery and personal documents. All material facts must be disclosed and failure to do so will invalidate this policy.
  • Optional covers attract additional premiums. Please ensure to read the insurance provider terms and conditions prior to purchasing the policy.
Key Features and Benefits

Home Contents Insurance cover as:

  • Your personal items and contents of your home
  • Loss of rent or cost of alternative accommodation
  • Third party liability against personal injuries/property damage
  • Personal money and credit cards
  • Loss of documents (passport, driving license, work permit etc)
  • Damage to contents when you are moving to a new home in the UAE
  • Death, permanent disability, medical expenses or body repatriation of a maid due to fire, theft, flood etc

Optional cover:

  • Fatal injury benefit to the insured or spouse

Table of Benefits

Benefits
Damage & Losses to the contents of the subject property located at the stated address including household goods and personal effects as per Home Insurance Policy Wording and subject to the relevant Terms, Conditions & Exclusions. Maximum Benefit Limit in AED
Silver Gold Platinum
Contents in your Home (Loss or Damage) 50,000 100,000 150,000
Loss of Rent or Cost of Alternative Accommodation Such payment shall be six months rental value or given sum insured value, whichever is lesser and subject to maximum indemnity period of 6 months 20,000 40,000 60,000
Contents Temporarily Removed - Loss of or damage to contents 10,000 25,000 35,000
Contents in the open – Loss of or damage to contents 2,500 5,000 7,500
Theft / Loss of Keys - Cost of replacing locks / lock mechanisms up to given value 500 500 500
Household Removals - Loss of or damage to contents while in transit from home to another location including loading and unloading within the Geographical Limits of U.A.E. provided that such removals are carried out by professional removal contractors. Such payment shall not exceed given Sum Insured in total by any of the above listed perils. 25,000 50,000 75,000
Visitor's Personal Effects - in total for loss or damage. 2,500 3,750 5,000
Tenants Liability - All sums up to given sum insured value for which the tenant is legally responsible / liable. 100,000 200,000 300,000
Personal money & credit cards – up to the given value 1,500 500 5,000
Loss of documents (passport, driving license work permit etc.) 500 1,000 1,500
THIRD PARTY & NEIGHBORS' LIABILITY - In the event of Accidental bodily injury, death, or disease of any person or Accidental loss or damage to property, all sums up to given sum insured value for which the Insured is legally responsible / liable to pay to Third Party and Neighbors. Deductible of AED 1,000 each and every loss to apply 100,000 200,000 300,000
Workmen's compensation in respect of a domestic servant sponsored by the insured. To pay up to the sums shown below:
1. Death or Permanent Total Disablement 30,000 60,000 90,000
2. Medical Expenses 2,500 5,000 7,500
3. Repatriation Expenses 2,500 5,000 7,500
Deductible: AED 250 each and every loss for all of the above benefits
Annual Premium in AED** 341.25 420 577.5
OPTIONAL COVER – PERSONAL ACCIDENT
Fatal Injury Benefit to the Insured or Spouse - In the event of your death or of your spouse as a direct result of injury caused in your home by fire, explosion, lightning, or thieves, to pay in total the agreed sum provided death ensues within three months of such injury. 50,000 100,000 150,000
Annual Premium in AED** 52.5 105 157.5

Eligibility Criteria

You must be a UAE resident and customer of ADCB

Ways to Apply

You may apply online through ADCB Personal Internet Banking, call our 24-hour contact center on 600 50 2030, SMS 'HOMEINS' to 2626 or leave your number and we will call you back. You may conveniently pay your premiums through your ADCB account or credit card

Home Protection Awareness Guide

Click here to read our Home Protection Awareness Guide

Disclaimer & Terms and conditions

This insurance cover is underwritten by Abu Dhabi National Insurance Company (ADNIC) and is subject to the Terms & Conditions of the policy/insurance contract issued by ADNIC. ADCB shall be neither liable nor responsible for ADNIC's actions, decisions, services or claim settlement.

Insurance Products are made available to you based on your need analysis and request. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank does not offer insurance advice, nor does it manage, underwrite or issue insurance policies.

The Bank is not responsible for rejected applications or claims by any insurance company. Premiums received by the bank for insurance plans are not bank deposits. They are subject to investment risks, including possible loss of principal amount invested. Past performance does not guarantee future results. Please refer to the Bank’s Wealth Services Terms & Conditions.

This website is for information purposes only and does not constitute an offer or solicitation to purchase investment products.

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Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

Apply through SMS

SMS 'HOMEINS' to 2626 from your registered mobile number.

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